Fair Debt Collection Practices Act

Cerritos Debt Collection Defense Attorney

At Law Office of Raymond J. Seo, we take action against collection agencies
that are violating your rights as outlined in the Fair Debt Collection
Practices Act. This is a federal act that protects consumers from certain
types of collection activities. If the collector has violated debt collection
regulations as outlined in the Act, legal action can be taken against
the collection agency or lender. Attorney Seo has over
a decade of experience and skills to assist you in debt collection defense.

Are you being harassed or abused by a creditor? You could be a victim of
a violation of the Fair Debt Collection Practices Act. If so, we can assist
you to file a legal action and you may be eligible to be paid damages,
as well as have your legal fees paid by the company that violated your
consumer rights.

Restrictions Under the Fair Debt Collection Practices Act

We have outlined some of the restrictions under which a credit collector
must operate so you understand your rights. This Act prohibits creditors,
including collection agencies, attorneys involved in debt collection,
and companies who buy debt from lenders, from a range of abusive practices.
These companies are restricted from engaging in deceptive tactics to try
to force you to pay.

The types of debts that are covered under this Act include your personal
or family debts, credit card debt, auto loans, mortgage payments as well
as medical bills.

The creditor may not engage in any of the following activities:

Call you before 8 a.m. or after 9 p.m.

Contact you at work if you have asked them not to (in writing or verbally)

Contact another person about your debt, except to find your address, number
or place of work

Use threats of violence

Use profanity

Call you repeatedly in an effort to annoy

Claim to be an attorney if not an attorney

Threaten you with legal action if there is no legal action planned

Give you wrong information about the amount you owe

Tell you that you will be arrested if you don't pay

Provide false information about your credit to another party

Use a false name for the collection agency when speaking with you

Contact you by postcard

Take your property or threaten to do so unless the correct legal actions
are undertaken

There are many other restrictions that are not listed here, so be sure
to discuss your situation with Attorney Seo. He offers a free consultation,
so don't hesitate to contact his office to schedule your meeting.

We help victims of creditor harassment. Call today!

Are you the victim of a violation of the Fair Debt Collection Practices
Act? If you believe this to be the fact, and the debt collector harassing
you has engaged in any of these actions, we need to speak with you. There
are a variety of actions we can take to help you get your debt situation
under control, including representing you and making arrangements to settle
your debt.

Collection agencies buy old debt from lenders, usually for pennies in the
dollar. You may be told that you have to pay the entire amount, but we
have a better idea of what the collector will actually take, and we can
negotiate with the creditor and get the debt resolved. If you are threatened
with a lawsuit, we should get involved at once, as if you do not appear,
a judgment against you could lead to wage garnishment or liens.

Contact us for information about debt collection defense in Cerritos, and to take
legal action against a creditor that is in violation of the Fair Debt
Collection Practices Act.

The information on this website is for general information purposes only.
Nothing on this site should be taken as legal advice for any individual
case or situation. This information is not intended to create, and receipt
or viewing does not constitute, an attorney-client relationship.